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Security report for stadtsparkasse-haltern.de

Sparkasse Westmünsterland · Finance · Germany

Low risk. 3 critical or high findings in GDPR outside view and SSL/TLS.

Security score

76/100

Risk levelLow

0–100, higher is better. How it is calculated

Sparkasse Westmünsterland is a regional German savings bank offering a comprehensive range of financial services including retail banking, loans, insurance, investment products, and private banking. The website targets both private and corporate customers, providing secure online banking and extensive product information. The bank maintains a strong local presence supported by digital services and a professional online platform. The site is well-branded, consistent, and includes multiple trust indicators such as certifications and awards. Technically, the website is built on modern web standards, likely using Adobe Experience Manager as its CMS. It employs HTTPS, cookie consent mechanisms, and integrates analytics tools like Google Analytics and Dynatrace. The site is mobile-optimized, accessible, and SEO-friendly, providing a good user experience with clear navigation and professional design. From a security perspective, the site enforces HTTPS and uses secure forms for login and consent. While explicit security headers are not fully confirmed, the overall posture is strong with no visible vulnerabilities or exposed sensitive data. Privacy compliance is robust, with clear privacy and cookie policies aligned with GDPR requirements. However, the site lacks a published security policy or incident response contact details. Overall, the website is trustworthy, professionally maintained, and compliant with relevant privacy regulations. It presents minimal risk and serves as a reliable digital channel for the bank's customers.

Scanned

NIS2 and GDPR posture

GDPR outside view
68/ 100 · Medium
Checks completed
7of 7

NIS2 Art. 21(2)

  1. (a) Risk analysis and security policies: Not visible from outside
  2. (b) Incident handling: One indicator
  3. (c) Business continuity, backups and crisis management: Not visible from outside
  4. (d) Supply chain security: Not visible from outside
  5. (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
  6. (f) Assessing the effectiveness of security measures: Not visible from outside
  7. (g) Cyber hygiene and security training: Not visible from outside
  8. (h) Cryptography and encryption: Partly checked
  9. (i) HR security, access control and asset management: One indicator
  10. (j) Multi-factor authentication and secured communications: Not visible from outside

This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.

GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.

Priority findings

3 findings rated critical or high. Fix these first.

  1. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • High

      No Cookie Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

  2. SSL/TLS

    TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.

    • High

      Weak Protocols Supported

      Server supports weak protocols: TLSv1.1

      What to do: Disable TLS 1.0, TLS 1.1, and all SSL versions

      • CWE-327
      • OWASP A04:2025
      • ASVS V12.1.1
    • High

      SSL Certificate Expires Soon

      SSL certificate expires in 17 days

      What to do: Renew SSL certificate before expiration

      • NIS2 21(2)(h)
      • IR 2024/2690 9.2(c): Implementing Regulation (EU) 2024/2690, Annex point 9.2(c): Cryptography
      • NIST SC-17: NIST SP 800-53 Rev. 5 SC-17: Public Key Infrastructure Certificates

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Keep watching stadtsparkasse-haltern.de

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  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

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Results by check

Each check with its score, findings and the evidence it collected.

How this score is calculated

The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.

Counted in this score

SSL/TLS
62
Security headers
90
Email security
65
DNS health
70
Network security
100
GDPR outside view
68
Average
76

Not counted

  • NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
  • OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.

Findings that cap the score at 49

Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.

  • The certificate is not trusted by browsers
  • The website is not served over HTTPS
  • A database, remote desktop, file-sharing or Telnet service is reachable from the internet
  • The page loads a script from a compromised source
  • The domain registration has expired
  • SPF authorises every server to send mail as the domain

Partial scans

When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.

Risk levels

  • Critical0–25
  • High26–49
  • Medium50–75
  • Low76–100

Breach exposure

Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.

Dark web exposure

Add-on

Leaked records that mention stadtsparkasse-haltern.de, from OffSeq Breach.

Total records
137
Employees
0
Customers
137
Third parties
0
Weak passwords
46%

4 subdomains affected

See the 10 newest leaked credentials

A one-off add-on to this report that lists the most recent identifier and password pairs OffSeq Breach holds for stadtsparkasse-haltern.de.

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Breach keeps ingesting new leaks, so these numbers can grow between scans.

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

Sparkasse Westmünsterland operates as a key regional financial institution within Germany's Sparkassen-Finanzgruppe. Its business model centers on providing retail and corporate banking services, including accounts, loans, insurance, and investment products. The bank leverages digital channels to enhance customer engagement and service delivery. Its market position is solid within its region, supported by a broad product portfolio and recognized digital innovation such as the award-winning chatbot Linda. The bank's partnerships with PAYBACK and Deka Investments indicate strategic alliances enhancing customer value. Growth indicators include digital service expansion and comprehensive online offerings targeting diverse customer segments from young clients to private banking customers.

Security posture

The website demonstrates a mature security posture with mandatory HTTPS encryption and secure login mechanisms. Cookie consent and privacy policies reflect GDPR compliance. No critical vulnerabilities or exposed sensitive information were detected in the HTML content. The absence of explicit security headers like CSP or X-Frame-Options is a minor gap but does not significantly undermine security. The lack of a public security policy or incident response contact limits transparency in vulnerability management. Overall, the site aligns well with industry best practices for financial institutions, balancing usability and security effectively.

Recommendations

  1. Implement and explicitly declare security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to enhance protection against common web attacks.
  2. Publish a dedicated security policy page including incident response procedures and contact channels to improve transparency and trust.
  3. Consider adding a security.txt file at the root domain to facilitate responsible vulnerability disclosure.
  4. Regularly audit third-party scripts and tracking tools to ensure no vulnerable libraries are included.
  5. Enhance accessibility features further to maintain compliance with evolving standards and improve user experience for all customers.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Sparkasse Westmünsterland
Description
Ihr Finanzpartner im Internet. Mit sicherem Online-Banking, vielen Angeboten und Services für Privat- und Firmenkunden.
Key services
Online Banking, Girokonto (checking accounts), Loans and Financing, Insurance products, Investment and Savings products, Private Banking, Real Estate services
Content quality
excellent
Branding
consistent

Technology

Stack
JavaScript, CSS, HTML5
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent mechanism
  • No exposed sensitive data in HTML
  • Use of secure forms for login and consent

Analytics and tracking

Services
Google Analytics, Dynatrace Ruxit
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Sparkasse tracking pixel
Marketing tools
Google site verification, Ruxit agent (Dynatrace)
Transparency
good

Site quality

Design
excellent
User experience
excellent
Content relevance
excellent
Navigation
excellent
Professionalism
excellent
Trustworthiness
high

Key observations

  1. Website is professionally designed and well-structured.
  2. Comprehensive navigation with detailed product and service offerings.
  3. Strong focus on privacy and cookie consent compliance.
  4. Multiple contact channels including phone, chat, and forms.
  5. Use of modern web technologies and tracking for analytics.
  6. No signs of malicious or suspicious content.
  7. Social media presence across major platforms.
  8. No security.txt or explicit security policy page found.
  9. No visible email addresses for direct contact; contact via forms and phone.
  10. WHOIS data consistent with a legitimate financial institution.
Technical notes

Notes

The website is built using modern web technologies including HTML5, CSS, and JavaScript, with evidence pointing to Adobe Experience Manager as the CMS platform. It uses client-side libraries and scripts for UI components and analytics integration. The site is mobile responsive and optimized for accessibility. Performance is moderate, with room for improvement in loading speed and resource optimization. The presence of Google site verification and Dynatrace Ruxit agent indicates active monitoring and SEO efforts. No legacy or vulnerable libraries were detected in the provided content. The technical infrastructure supports a secure and user-friendly banking experience.
Standards and sources

Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.

Retrieved 2026-10-25

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